pepper

Auto, Personal, Commercial

Pepper Money - Really Helpful Loan Options

Pepper Money is an established non-bank lender offering fixed-rate financing across key areas including car loans, personal loans, and asset & commercial finance—making it a flexible option for everyday borrowers and businesses alike. Through Ausloans, you can access Pepper Money’s competitive products alongside a broader panel of 70+ lenders, all from a single streamlined application process.

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Pepper Money Car Loans

pepper cr loan

Pepper Money car loans are designed for drivers buying new, used, dealer, or private sale vehicles. They also consider applications from customers with non-standard credit profiles, making them a strong option for those who’ve faced challenges with mainstream banks. Whether you’re looking for flexible terms, balloon payments, or financing for an EV, Pepper Money has solutions to suit.

9.19%

Car Loan Rate

Pepper Money offers fixed-rate car loans at 9.19% p.a. (10.54% p.a. comparison rate) for new, used, dealer, private sale, and EV purchases

1 -7 Years

Loan Term

1 - 7 year loan term

$150,000

Loan amounts

Up to $150,000, including 100% funding with $0 deposit

Repayment features:

Monthly payments, with balloon and deposit options (e.g., 50% balloon on 1–3 year terms) 

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Pepper Car Loan Usage

Pepper Money Car Finance applies to purchases of:

Fees:

  • Establishment Fee: $499
  • Origination Fee: $990
  • PPSR Search Fee: $8
  • Account Management Fee: $8.90 per month

Features of this loan

Consider the following features before applying for this loan:

  • Secured Loan – The vehicle is used as collateral for the loan.
  • Flexible terms – Choose a loan term anywhere from 12 months right up to 7 years (84 months).
  • Borrowing range – Access loan amounts starting from $5,000, with a maximum of $150,000 available.
  • Fast approval and funding – Once approved, the money could be in your account within 24 to 48 hours.
  • Convenient repayments – Stay on top of your loan with weekly or fortnightly instalments.
  • Personalised rate.– Check your personalised interest rate in just two minutes, before you commit to applying.

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Pepper Money Personal Loans

pepper personal loan

Pepper Money personal loans can be used for debt consolidation, travel, medical expenses, home improvements, or other big-ticket purchases. With secured and unsecured options available, they provide flexibility based on your circumstances. Their willingness to consider applicants with less-than-perfect credit makes them an alternative to traditional lenders.

6.75%

Personal Loan Rate

Secured loans: Interest rates range from 6.75% to 21.65% p.a. (same range for comparison rates)

 

Unsecured loans: Rates range from 6.75% to 26.95% p.a

18–84 mth

Loan Term

18–84 months for most products; shorter terms (18–36 months) for smaller unsecured amounts

$100,000

Loan range

$5,000 to $100,000, with unsecured capped at $50,000, and secured from $15,000 to $100,000 (car purchases over $50,000 handled under car loans)

 

Repayment features:

Monthly payments, with balloon and deposit options (e.g., 50% balloon on 1–3 year terms) 

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Pepper Personal Loan Usage

Pepper Money does not allow a personal loan to be used for:

  • Tax debts
  • Mortgage, rent or credit arrears
  • Payment of defaults and judgements
  • Loans for business purposes

Fees:

  • Zero setup fees
  • Zero account keeping fees
  • Zero early repayment fees

Features of this loan

Consider the following features before applying for this loan:

  • No security required – This is an unsecured loan, so you don’t need to put up your car, house, or any other asset as collateral.
  • Flexible terms – Choose a repayment period anywhere from 18 months right up to 7 years (84 months).
  • Borrowing range – Access loan amounts starting from $5,000, with a maximum of $100,000 available.
  • Fast approval and funding – Once approved, the money could be in your account within 24 to 48 hours.
  • Convenient repayments – Stay on top of your loan with weekly or fortnightly instalments.
  • Personalised rate.– Check your personalised interest rate in just two minutes, before you commit to applying.

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Pepper Money Asset & Commercial Finance

pepper commercial finance

Pepper Money also supports Australian businesses with asset and commercial finance. Whether you’re looking to fund trucks, equipment, or business vehicles, Pepper Money’s commercial lending products offer flexible terms to help businesses of all sizes access the tools they need to grow.

Asset & Commercial Finance Rates

Pepper offer the same flexible, fixed-rate structures and secure lending with business-focused terms 

Tailored for commercial asset financing needs

  • Apply after just 2 years' ABN registration
  • Flexible loan terms and repayments
  • Manage cashflow with flexible balloon options
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Pepper Money Loan Features & Benefits

Pepper Money is one of Australia’s leading non-bank lenders, trusted for its flexible approach to finance. Unlike traditional banks, Pepper Money looks beyond credit scores, considering your full financial situation to provide real loan options. With solutions across car loans, personal loans, asset finance, and commercial lending, Pepper Money is a strong choice for Australians who may not fit the rigid criteria of mainstream banks. Their loan features are designed to support a wide range of borrowers — from those with excellent credit to those rebuilding their financial profile — offering competitive rates, realistic terms, and quick approvals.

Fixed Rates

Fixed rates across loan types offer budgeting certainty.

Fast Approvals

Decisions typically within 2 business days for car and personal loans.

No Hidden Costs

Unsecured personal products have zero ongoing, setup, or early repayment fees.

Flexible Terms

Available across credit profiles, including EV and private sale buyers.

Forms of Security

Offers secured and unsecured options based on customer needs.

Pros & Cons of Choosing Pepper Money

Pros
Cons
Reliable fixed-rate options with budgeting certainty
Higher rates than major banks for prime customers
Fast decisions—often within 1–2 days
Personal loans capped at $50,000 unsecured
No fees (setup, early exit, ongoing) for most loans
Below-prime credit applicants may still face higher rates or restrictions
Balloon and deposit flexibility for car loans
Loan caps may limit large commercial financing needs
Broad product range—auto, personal, asset finance
Not always the cheapest; depends on specific profile and lender matching

FAQs About Pepper Money Loans

Are Pepper Money loans suitable for bad credit?
Possibly, yes; they offer more flexibility compared to banks

epper Money is known for considering applications outside the narrow credit profiles banks require. While they still assess affordability and repayment capacity, Pepper Money’s flexible underwriting means they’re more likely to help applicants with past setbacks.

Is it better to choose Pepper Money over a bank?
It depends on your needs—Pepper offers quicker, more flexible terms; banks may offer lower rates to prime borrowers.

It depends on your needs—Pepper offers quicker, more flexible terms; banks may offer lower rates to prime borrowers.

How do Pepper Money loans compare to banks?
They’re more flexible, especially for non-standard applicants.

While banks often reserve their best rates for prime customers with excellent credit, Pepper Money is known for its flexible lending approach. They may approve loans for applicants banks reject, making them an alternative for those seeking a practical solution rather than a “teaser” bank rate.

Do Pepper Money loans impact my credit score?
No—using Pepper’s “Get My Rate” tool won’t affect your credit score.

Pepper Money offers a pre-approval rate tool that uses a soft credit enquiry. A full application may result in a hard inquiry, but the “Get My Rate” step is safe for your credit.

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Pepper Money Loan Eligibility

To be considered for a Pepper Money loan, you’ll need to meet the following requirements:

  • Be an Australian citizen or hold permanent residency.

  • Be at least 18 years of age.

  • Currently employed and not serving a probationary period.

  • Have a clean record with no unpaid defaults or history of bankruptcy.

  • Provide valid identification (such as a current Australian Passport or Driver Licence).

What you’ll need to provide

When applying, you’ll be asked to supply supporting documents, including:

    • Recent payslips to confirm your income.

    • Bank statements to verify your financial position.

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Get access to Pepper Money loans — plus 70+ other Australian lenders — with just one application through Ausloans. Our AI-powered platform matches your profile with lenders most likely to approve you, saving time and finding your best rate without impacting your. credit score. 

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Compare Pepper Money with Other Lenders

Explore how Pepper Money stacks up against other lenders on our panel. With Ausloans, you can compare rates and features across 70+ lenders in one application.

Get access to Pepper Money loans — plus 70+ other Australian lenders — with just one application through Ausloans. Our AI-powered platform matches your profile with lenders most likely to approve you, saving time and finding your best rate.

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